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Time to start a fresh.
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No I know! Yeah unfortunately, yeah I'm going to look into setting one up and even if I put £10 in a month it's better than nothingMrFrugalFever said:
Oh no, not what you need right now! There goes that survey moneyjadewest94 said:I'm so annoyed! Got in the car after work and noticed a crack on the windscreen!! Having it replaced Monday via insurance £95!
I guess it just highlights the need for a reasonable EF pot.
good news regarding the CC’s 😄I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10002 -
Not been active as I've been full up with a cold for a few days yuck!!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
Good news on the CCs having interest stopped and arrangements to pay set up. A pain about the car windscreen.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Save £12k in 2026 Challenge £12000/£2000
365 day 1p Challenge 2026 £667.95/£110
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php2 -
Afternoon all, was supposed to have my windscreen fitted today but they had to cancel as they hadn't received the delivery of it. Also got sent home from work due to me being ill and just got back from having a covid test! Hopefully I'll be better by tomorrow! But it's sunny here so I'll be doing some washing and hanging it out to dry!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10000 -
Windscreen finally being fitted today! Still a bit ill, don't have covid though so back to work today for me! Wish i could stay home in bed aha!!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
Sorry all been so rubbish with here lately! Finally should have the house money within the next 3 weeks! 🤞 This is where I need to work out the best way to pay off my debts.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
Afternoon those who follow
All bills go out Thursday, Council tax back down to £131 instead of the £192 I was paying!
Got a focus group on the 12th for 3 hours £70!
I still don't know how much money I will be getting so I need to try and work a plan on who/what to pay first! Nice sunny weather so I'm going to start planting some fresh strawberry plants and see if they grow! Still have a few from last year!
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10003 -
Hi, you're doing really well on your debt busting, well done!
Seems like we've both been out in the garden making the most of the sunny weather, I've planted some pots but have three more to do yet! Going to wait until I can get to a proper garden centre and see what nice summer plants I can pick up. Good luck with the strawberry plants, I was thinking of getting some as well, and I quite fancy getting one of those potato bags. My hubby went into town the other day and came home with one of those plastic/polythene type greenhouses, only a small one, so will need to try and work out what to grow in there!Tesco CC - £269.00.00/£750
Virgin CC - £1,050.00/£2570.00
MBNA CC - £825.00/£3360.00
Emergency/Home improvements Fund - £0.00/£1000.00
Pay All Your Debt By Xmas 2021 Number 60 - £2144.00/£6680.00
https://forums.moneysavingexpert.com/discussion/6233334/paddingtons-debt-free-journey#latest1 -
Hey,Paddington75 said:Hi, you're doing really well on your debt busting, well done!
Seems like we've both been out in the garden making the most of the sunny weather, I've planted some pots but have three more to do yet! Going to wait until I can get to a proper garden centre and see what nice summer plants I can pick up. Good luck with the strawberry plants, I was thinking of getting some as well, and I quite fancy getting one of those potato bags. My hubby went into town the other day and came home with one of those plastic/polythene type greenhouses, only a small one, so will need to try and work out what to grow in there!
Thanks! I've had my days where I think whats the point? but I'm sticking to it. I WANT to be debt free next year! A few grew back from last year which I was suprised about and I also noticed some sunflowers regrowing! Also, I sliced a carrot top off let it grown in the warmth of my house and planted that! It's growing really good
Oh good luck on growing your veggies and fruit!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
My butt is in gear, I've bought fresh chicken and veggies ill pressure cook them for work tomorrow so will take 15 minutes, also going for my jog tomorrow after work!
if I can't pay towards my debts I'll make sure I go for my jog! I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10000
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